Cardholders eyeing their next miles haul face a tight 15-day window this November as Instarem rolls out a targeted promotion for its Amaze card. Running from 1 to 15 November 2026, the campaign dangles an extra three bonus InstaPoints per Singapore dollar spent, bridging a long-standing divide between standalone wallet funding and credit card rewards.
Chasing the Incremental Spend Goal
Typically, earning InstaPoints requires funding the Amaze digital wallet directly, a mechanism that forces users to bypass credit card reward structures entirely. This short-lived promotion upends that routine by opening the bonus tier to both wallet-linked and card-linked transactions across local currency and foreign exchange purchases. Yet, catching the bonus requires clearing a personalized hurdle known as the Qualifying Spend Amount, or QSA.
Users have begun receiving these individual targets via email and push notifications. Reported figures within the MileLion community show targets spanning from as low as S$300 to a heftier S$2,200. Anyone signing up for a fresh Amaze card during the promotional window is assigned a baseline QSA of S$300. Only expenditures made above these individual thresholds unlock the bonus rate of three InstaPoints per dollar, stacked on top of standard earnings.
| Transaction Currency | Wallet-Linked Earn Rate | Card-Linked Earn Rate |
|---|---|---|
| SGD | 0.5 IP per S$1 | 3 IP per S$1 (Bonus tier) |
| FCY | N/A | 3 IP per S$1 (Bonus tier) |
As detailed in reports by both The MileLion and SGBuzz, the promotion imposes a strict ceiling of 2,000 bonus InstaPoints per customer. Mathematically, this caps the bonus-eligible sweet spot at precisely S$667 of spending beyond the assigned QSA. Transactions must also hit a minimum floor of S$10 to qualify for point accumulation, though smaller purchases still contribute toward clearing the initial QSA hurdle.
The Posting Date Trap and Redemption Math
The campaign duration spans a mere fortnight, but the operational mechanics introduce an extra layer of friction. Instarem stipulates that all eligible transactions must post by 15 November 2026, rather than merely being charged by that date. Given standard merchant clearing times of one to three days, cardholders gambling on purchases past 13 November risk missing the cutoff entirely.
Once secured, those bonus points carry distinct conversion values that demand careful calculation. Cardholders can redeem InstaPoints to offset Instarem funds transfers, exchange them for KrisFlyer miles, or cash them out directly. At the upper limit, converting 2,000 InstaPoints yields S$25 in cashback—restricted to a single monthly redemption. Alternatively, swapping 1,200 InstaPoints for 400 KrisFlyer miles translates to an effective acquisition cost of roughly 3.75 cents per mile if paired against the top-tier cash option, or a more palatable 1.5 cents per mile when utilizing the standard S$5 redemption tier.
Fulfilment is slated to begin from 16 December 2026, leaving balances in a holding pattern through the end of the year. With a hard expiry of 12 months attached to all earned points regardless of account activity, cardholders must weigh whether clearing their specific QSA makes sense before swiping their cards this November.
